CN102667838A - Non-contact smart payment card and method thereof for supporting different bank payment services - Google Patents
Non-contact smart payment card and method thereof for supporting different bank payment services Download PDFInfo
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- CN102667838A CN102667838A CN2011800041576A CN201180004157A CN102667838A CN 102667838 A CN102667838 A CN 102667838A CN 2011800041576 A CN2011800041576 A CN 2011800041576A CN 201180004157 A CN201180004157 A CN 201180004157A CN 102667838 A CN102667838 A CN 102667838A
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- smart card
- contactless smart
- card
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
Abstract
The invention provides a non-contact smart payment card and a method thereof for supporting different bank payment services. The method comprises the steps of leading a third party to issue the non-contact smart payment card and a Purchase Secure Access Module (PSAM) card; leading a user to realize the corresponding bank payment service by binding the payment card with any one bank magnetic stripe card on a binding terminal at an attended business hall of a bank, thereby realizing that the consumption of the payment card is the consumption of the bound bank card; leading the payment card to be capable of implementing online transactions on a payment terminal after being bound; leading the payment card to be capable of implementing online and offline transactions after loading (recharging for the payment card); using the PSAM card to control the safety during the offline transactions, reporting transaction records to a third party processor, and then carrying out verification by the third party processor; and leading the third party to notify the corresponding bank of implementing fund transfer after the transaction records are verified to be successful. The non-contact smart payment card and the method can solve the problem of bank intercommunication during near-distance payment, solve the safety problem when using the bank cards to carry out recharging, fee paying, purchasing and other services on the terminal, and further expand the using range of payment of the bank cards.
Description
A kind of contactless smart card and its method and technology field for supporting different bank payment services
[0001] the present invention relates to the method for payment of bank card, more particularly to the method that the payment transaction of different bank is realized by contactless smart card from different bank account bindings.
Background technology
[0002] now, bank's magnetic stripe card is as being topmost electronic payment instrument, circulation oneself through there is tens；With widely using for this means of payment, the defect itself existed causes the safe drawback in financial payment field increasingly to highlight.For example, because bank's magnetic stripe card is easily replicated in itself, under its password leak case, it is easy to cause the massive losses of fund in card user's account.At present, increasing financial institution recognizes many drawbacks that bank's magnetic stripe card is used, so as to cause these financial institutions progressively with smart card substitution bank magnetic stripe card.Due to smart card it is difficult to be replicated, even if password is illegally accessed, fund security still can ensure that.Simultaneously as having stored value card and electronic bankbook account on smart card, it is possible to achieve off line payment function.At present, many issued by banks contact intelligent card, simply contact intelligent card needing rapid payment occasion not very convenient, such as, be not suitable for taking bus, and contactless smart card is then more convenient user while secure payment is not reduced.
[0003] still, the smart card that current financial payment field is used is different issued by banks, and these smart cards are typically all associated with bank's main account of user when issuing user, and a sheet smart card can only associate a main account.The online consumption from the main account with the smartcards, circle, which is deposited, from the main account with the smartcards withholds.So, the smart card can not realize other accounts, the business function of other banks, limit the convenience of card user.Confirm this
[0004] in order to overcome the limitation that above-mentioned smart card is used, the present invention provides the method for payment that a kind of non-contact card supports different bank business, realizes inter-bank, the payment transaction of many accounts of smart card.
The content of the invention
[0005] the technical problem to be solved in the present invention is：The above-mentioned smart card issued in the prior art can not support inter-bank, the technological deficiency of the payment transaction of many accounts.
[0006] it is to realize the purpose of the present invention, the present invention has supplied a kind of contactless smart card to support the method for different bank payment services-bound by contactless smart card account different from different bank, realize the on-line transaction at the bank family bound with the contactless smart card, withholdd from the bank account bound with the contactless smart card and realize that the circle of the contactless smart card deposits transaction, so as to realize the payment function of many accounts of smart card inter-bank.The described method comprises the following steps-
A, by binding terminal, bank main, bank's processor, third party's processor, payment terminal and communication network set up payment system；
B, the binding relationship for setting up in above-mentioned payment system the swollen family of contactless smart card and bank；
C, by above-mentioned binding relationship, use the contactless smart card to realize the payment transaction for the bank account bound with the contactless smart card.
[θθο
Third party described in this method refers to relative to the card user in payment and another unit for bank.Third party plays function served as bridge in the method, and binding relationship is sent into third party's processor by bank's processor when card user binds contactless smart card with bank family on binding terminal；When card user pays in payment terminal, transaction request is sent from third party's processor to bank processor.
[contactless smart card described in 0008J this method, is issued by an issued by banks in payment system or third party, non-
Contact the consumption key on smart card and the consumption cipher key associated on SAM cards in payment terminal terminal.
[0009]
Supporting the preferred embodiment of the method for different bank payment services according to a kind of above-mentioned contactless smart card, above-mentioned steps B comprises the following steps-
Bl, binding terminal read the account of bank account；
B2, binding terminal read the card number of contactless smart card；The account of the card number comprising contactless smart card and bank account in bind request, solicited message is sent to bank's processor；
B3, bank's processor receive the bind request；Record the binding relationship of the account of the card number of contactless smart card and bank account in the solicited message；The card number and the partial account number of bank account of the contactless smart card comprising the binding relationship in bind request, solicited message are sent to third party's processor；
B4, third party's processor receive the bind request；Record the binding account of the card number of contactless smart card and the partial account number of bank account in solicited message, wherein, the content of the binding account includes the electronic bankbook remaining sum value of the electronic bankbook synchronization on card number, the partial account number of bank account, the electronic purse balance amount value synchronous with the stored value card on contactless smart card and the contactless smart card of contactless smart card；
B5, binding terminal read the account of another bank account, and perform above-mentioned steps B2, B3, B4;Set up the binding relationship of the contactless smart card and another bank account；
B6, above-mentioned B5 steps are repeated, set up the binding relationship of the contactless smart card and multiple bank accounts.
[0010]
The binding relationship of bank's processor record in the preferred embodiment of the method for different bank payment services, above-mentioned steps B3 is supported according to a kind of above-mentioned contactless smart card：
The binding relationship includes binding account, and the content of the binding account includes the card number of contactless smart card, the account of bank account, the electronic purse balance amount value synchronous with the stored value card on contactless smart card, the electronic bankbook remaining sum value with the electronic bankbook synchronization on contactless smart card.
[0011]
The preferred embodiment of the method for different bank payment services is supported according to a kind of above-mentioned contactless smart card, above-mentioned steps B further comprises the steps：
B7, bank's processor send the card number and the account of bank account of the contactless smart card comprising the binding relationship in bind request, solicited message to bank main after bind request is received；
B8, bank main receive the bind request；The card number of contactless smart card and the corresponding binding account of the account of bank account in solicited message are set up, the content of the binding account includes the card number of contactless smart card, the account of bank account, the electronic purse balance amount value synchronous with the stored value card on contactless smart card, the electronic bankbook remaining sum value with the electronic bankbook synchronization on contactless smart card.
【0012】
Supporting the preferred embodiment of the method for different bank payment services according to a kind of above-mentioned contactless smart card, above-mentioned steps B further comprises the steps-
B9, third party's processor record the partial account number for the bank account bound with the contactless smart card via bank's processor and binding terminal on contactless smart card；Or, bank's processor records the partial account number for the bank account bound with the contactless smart card via binding terminal on contactless smart card；Or, binding terminal records the partial account number for the bank account bound with the contactless smart card on contactless smart card.
【0013】
Support the preferred embodiment of the method for different bank payment services according to a kind of above-mentioned contactless smart card, the payment transaction of bank account described in above-mentioned steps C includes-
D, online consumption service；
E, circle deposit business；
F, off-line consumption business.
【0014】
The preferred embodiment of the method for different bank payment services is supported according to a kind of above-mentioned contactless smart card, above-mentioned online consumption service comprises the following steps：
Dl, payment terminal read the card number information of contactless smart card；
Payment terminal reads the list information of the bank account partial account number recorded on contactless smart card；Or, payment terminal sends the binding relationship inquiry request of the card number comprising the contactless smart card to third party's processor, and third party's processor is by the list information response of the partial account number for all bank accounts bound with the contactless smart card to payment terminal；
Payment terminal shows the partial account number list information for all bank accounts bound with the contactless smart card；
The partial account number for the bank account that payment terminal record user selects from account list；
D2, payment terminal read the password of the spending amount of card user's input and the binding bank account of user's selection；Card number, the partial account number of bank account, the password of the bank account, the online spending amount for including contactless smart card in online consumer requests, solicited message are sent to third party's processor；
D3, third party's processor receive the online consumer requests；The online consumer requests are sent to bank's processor；
D4, bank's processor receive the online consumer requests；The card number of contactless smart card in solicited message and the partial account number of bank account find the complete account number of the bank account in binding relationship；Online consumer requests are sent to bank main；
Complete account number, spending amount, bank account password of bank account are included in solicited message；
D5, bank main are withholdd from the bank account；Bank's processor is given by online consumption result response；
D6, bank's processor receive banking on-line consumption result；Online consumption result response is given in third party's processor, response message to the partial account number for including online consumption implementing result, the card number of contactless smart card, bank account；
D7, third party's processor receive the response message, complete follow-up business.
[0015]
The preferred embodiment of the method for different bank payment services is supported according to a kind of above-mentioned contactless smart card, the above-mentioned circle business of depositing comprises the following steps：
El, payment terminal read the card number information of contactless smart card；
Payment terminal reads the list information of the bank account partial account number recorded on contactless smart card；Or, the binding relationship Check that payment terminal sends the card number comprising the contactless smart card to third party's processor, which is ask, to be asked, and third party's processor is by the list information response of the partial account number for all bank accounts bound with the contactless smart card to payment terminal；
Payment terminal shows the partial account number list information for all bank accounts bound with the contactless smart card；
The partial account number for the bank account that payment terminal record user selects from account list；
The circle that E2, payment terminal read card user's input deposits the password that type, circle deposit the binding bank account of the amount of money and user's selection；The card number comprising contactless smart card in request, solicited message, the partial account number of bank account, circle, which are deposited, to third party's processor transmission circle deposits the amount of money, the bank account password；
E3, third party's processor receive the circle and deposit request, and the circle is deposited into request is sent to bank's processor；
E4, bank's processor receive the circle and deposit request；The card number of contactless smart card in solicited message and the partial account number of bank account find the complete account number of the bank account in binding relationship；Circle is sent to bank main and deposits request, and circle deposits request
In deposit the amount of money, the bank account password comprising the card number of contactless smart card, the complete account number of bank account, circle；
E5, bank main are withholdd from the bank account；
If establishing binding account on bank main, the electronic purse balance amount value or electronic bankbook remaining sum value that the corresponding binding account of the account of card number and bank account of the contactless smart card in request is deposited to circle are value added；
Bank's processor is given in the bank main object information response that will withhold；
E6, bank's processor receive the object information of withholing of bank main transmission；
If establishing binding account on bank's processor, the electronic purse balance amount value or electronic bankbook remaining sum value that the corresponding binding account of the account of card number and bank account of the contactless smart card in request is deposited to circle are value added；
Bank's processor is withholdd object information to third party's processor response, and withhold implementing result, the card number of contactless smart card, the partial account number of bank account are included in object information of withholing；
E7, third party's processor receive the object information of withholing；
Circle is performed to contactless smart card via payment terminal and deposits operation；
The electronic purse balance amount value or electronic bankbook remaining sum value that the corresponding binding account of card number and bank account partial account number of the contactless smart card in request is deposited to circle are value added；Circle deposits business completion.
[0016]
The preferred embodiment of the method for different bank payment services is supported according to a kind of above-mentioned contactless smart card, above-mentioned off-line consumption business comprises the following steps：
Fl, payment terminal receive contactless smart card and complete off-line consumption business；
Off-line consumption record is reported to third party's processor by F2, payment terminal；
F3, the third party's processor verification off-line consumption record completeness and efficiency；
F4, third party's processor read the card number of contactless smart card in off-line consumption record；
The partial account number for the bank account bound with the contactless smart card, the electronic purse balance amount value or electronic bankbook remaining sum value depreciation of binding relationship corresponding with the partial account number of bank account to the contactless smart card are found by the card number of the contactless smart card；
Card number, the partial account number of bank account, the spending amount for including contactless smart card in off-line consumption request, solicited message are sent to bank's processor；
F5, bank's processor receive off-line consumption request, and the card number of the contactless smart card in solicited message and the partial account number of bank account find the complete account number of the bank account；
If establishing binding account on bank's processor, the electronic purse balance amount value or electronic bankbook remaining sum value depreciation of the card number of the contactless smart card in asking off-line consumption and the corresponding binding account of the account of bank account；
If F6, establishing binding account on bank main, bank's processor sends off-line consumption to bank main and asked, and card number, the complete account number of bank account, the spending amount of contactless smart card are included in solicited message；
Bank main receives the off-line consumption request that bank's processor is sent；The electronic purse balance amount value or electronic bankbook remaining sum value depreciation of the card number of contactless smart card in asking off-line consumption and the corresponding binding account of the account of bank account；Bank's processor is given by object information response；
F7, bank's processor include result, the card number of contactless smart card, the partial account number of bank account, spending amount to third party's processor response off-line consumption result in object information；
F8, third party's processor receive the response message；Off-line consumption business is completed.
[0017]
The preferred embodiment of the method for different bank payment services, above-mentioned bank account are supported according to a kind of above-mentioned contactless smart card
Including the swollen family of bank master corresponding with bank book, bank's main account corresponding with bank magnetic stripe card, bank major family corresponding with bank intellective IC card.Contactless smart card binds the corresponding bank's main account of bank book and realizes transaction, extends the payment scope of bank book；Contactless smart card binds the corresponding bank's main account of bank's magnetic stripe card and realizes transaction, improves the security of bank's magnetic stripe card trading.Contactless smart card binding bank intelligence ic cards corresponding bank major families and realize transaction, compatibility extends the payment mode of bank's intelligence ic cards.
[0018]
The mode that this hair is bound using contactless smart card account different from different bank, efficiently solves the problem of supporting the payment transaction of different bank by one non-contact smart card.In transaction business, using contactless smart card, main account password is used during online business, user's bank account and bank account password is improved the security of the payments such as magnetic stripe card account, bankbook family while occur.As can be seen that present approach reduces the cost using smart card, improving the security of payment, user being facilitated again.
[0019]
Brief description of the drawings
[0020] Fig. 1 is the network structure of the present invention.Wherein-*
11 19 be several bank's processors；
21 be bank main be connected with bank processor 11,29 bank main to be connected with bank processor 19；
311 319 be several binding terminals be connected with bank processor 11,391 399 several binding terminals to be connected with bank processor 19；
8 be third party's processor；
51 be power office's processor, and 52 be water supply office processor, and 59 be other processed in units machines；
61 69 payment terminal to be connected with third party's processor 8；
4 be bank account；
9 be contactless smart card；
11st, 21,311 319 a bank is classified as, 19,29,391 399 are classified as another bank.
[0021]
Embodiment
[0022] embodiment one：According to Fig. 1, illustrate the principle of this method.
[0023] 1, payment system is set up by binding terminal 311 319 and 391 399, bank main 21 and 29, bank's processor 11 19, third party's processor 8, payment terminal 61 69 and communication network；
2nd, the binding relationship of contactless smart card 9 and bank account 4 is set up by above-mentioned payment system；Binding terminal 311 reads the account of bank account 4 and the card number of contactless smart card 9, and bind request is sent to bank's processor 11；Bank's processor 11 records the binding relationship, and the card number bind request of the part number comprising bank family 4 and contactless smart card 9 is sent into third party's processor 8;The bind request of the partial account number of the record bank account 4 of third party's processor 8 and the card number of contactless smart card 9；
3rd, by above-mentioned binding relationship, the payment transaction at the bank family 4 bound with contactless smart card 9 is realized using contactless smart card 9；Payment terminal 61 receives contactless smart card 9 and receives the password of bank account 4, realizes that online consumer sale, circle deposit transaction, payment terminal 61 receives contactless smart card 9 and realizes that off-line consumption is merchandised：Transaction request is sent to third party's processor 8 by payment terminal 61;The transaction request of card number comprising contactless smart card 9, the partial account number of bank account 4, the password of bank family 4, dealing money is sent to bank's processor 11 by third party's processor 8;Bank processor Π finds the complete of bank account 4 according to the partial account number of the card number of contactless smart card in transaction request 9 and bank family 4
Whole account, transaction request is initiated to bank main 21.
[0024] because bank account 4 is only used once in binding on binding terminal 311, all it is to use contactless smart card 9 in follow-up transaction, contactless smart card 9 is not easy to be cracked and replicated, the account that contactless smart card 9 obtains bank account 4 is easily detected by, the security for paying link is improved.
[0025] contactless smart card 9 binds different bank accounts in payment system, then can realize the payment transaction of different bank account, so as to realize the purpose of the present invention.
【0026】
Embodiment two：According to Fig. 1, contactless smart card and the binding relationship of bank account are set up.
[0027] 1, binding terminal 311 reads the account of bank account 4；
2nd, binding terminal 311 reads the card number of contactless smart card 9；The account of the card number comprising contactless smart card 9 and bank account 4 in bind request, solicited message is sent to bank's processor 11；
3rd, bank's processor 11 receives the bind request；Record the binding relationship of the account of the card number of contactless smart card 9 and bank account 4 in the solicited message；The card number and the partial account number of bank account 4 of the contactless smart card 9 comprising the binding relationship in bind request, solicited message are sent to third party's processor 8；
4th, third party's processor 8 receives the bind request；Record the binding account of the card number of contactless smart card 9 and the partial account number of bank account 4 in solicited message, wherein, the content of the binding account includes the electronic bankbook remaining sum value of the electronic bankbook synchronization on card number, the partial account number of bank account 4, the electronic purse balance amount value synchronous with the stored value card on contactless smart card and the contactless smart card of contactless smart card 9.Binding relationship, which is set up, to be completed.
[0028] different bank accounts is used, above step is repeated, then can set up the binding relationship of contactless smart card 9 and multiple bank accounts.
[0029] partial account number of bank account 4 is only included when bank's processor 11 sends bind request to third party's processor 8, purpose is to avoid undesirable can be from third party while obtaining the complete account number and password of bank account 4, the security of guarantee system, when user selects the partial account number of bank account 4 in payment terminal, the complete account number of bank account 4 can be obtained again in the binding relationship recorded by bank's processor.
[0030] third party's processor 8 records the binding account of the card number of contactless smart card 9 and the partial account number of bank account 4 in solicited message, remaining sum for recording the record Current electronic wallet of contactless smart card 9 and electronic bankbook when the execution circle of contactless smart card 9 deposits business with off-line consumption business, is more than the abnormal conditions that circle deposits total amount so as to judge whether contactless smart card 9 consumption total amount occurs.
[0031]
Embodiment three：According to Fig. 1, contactless smart card and the binding relationship of bank account are set up, and the partial account number of bank account is recorded in contactless smart card.
[0032] binding terminal 311 reads the account of bank account 4；
2nd, binding terminal 311 reads the card number of contactless smart card 9；The account of the card number comprising contactless smart card 9 and bank account 4 in bind request, solicited message is sent to bank's processor 11；
3rd, bank's processor 11 receives the bind request；The binding binding account of the account of the card number of contactless smart card 9 and bank account 4 in the solicited message is recorded, the content of the binding account includes the card number of contactless smart card, the account of bank account, the electronic purse balance amount value synchronous with the stored value card on contactless smart card, the electronic bankbook remaining sum value with the electronic bankbook synchronization on contactless smart card；The card number and the partial account number of bank account 4 of the contactless smart card 9 comprising the binding relationship in bind request, solicited message are sent to third party's processor 8；Bank's processor 11 sends the card number and the account of bank account 4 of the contactless smart card 9 comprising the binding relationship in bind request, solicited message to bank main 21；
4th, third party's processor 8 receives the bind request；Record the binding account of the card number of contactless smart card 9 and the partial account number of bank account 4 in solicited message, wherein, the content of the binding account includes the electronic bankbook remaining sum value of the electronic bankbook synchronization on card number, the partial account number of bank account 4, the electronic purse balance amount value synchronous with the stored value card on contactless smart card and the contactless smart card of contactless smart card 9；
5th, bank main 21 receives the bind request；The card number of contactless smart card and the corresponding binding account of the account of bank account in solicited message are set up, the content of the binding account includes the card number of contactless smart card 9, the account of bank account 4, the electronic purse balance amount value synchronous with the stored value card on contactless smart card, the electronic bankbook remaining sum value with the electronic bankbook synchronization on contactless smart card；
6th, third party's processor 8 records the partial account number for the bank account 4 bound with contactless smart card 9 via bank's processor 11 and binding terminal 61 on contactless smart card 9；Or, bank's processor 11 record and partial account number of the bank account 4 of the binding of contactless smart card 9 on the card of non-contact intelligent 9 via binding terminal 61；Or, binding terminal 61 records the partial account number for the bank account 4 bound with contactless smart card 9 on contactless smart card 9.Binding relationship, which is set up, to be completed.
[0033] the binding binding account of the account of the card number of contactless smart card 9 and bank account 4 in the solicited message is recorded on bank's processor 11, remaining sum for recording the record Current electronic wallet of contactless smart card 9 and electronic bankbook when the execution circle of contactless smart card 9 deposits business with off-line consumption business, so as to judge whether contactless smart card 9 occurs consuming the abnormal conditions that total amount deposits total amount more than circle, or figured interest for there is the fund do not consumed on contactless smart card and to user's circle.
[0034] the binding binding account of the account of the card number of contactless smart card 9 and bank account 4 in the solicited message is recorded on bank main 21, noncontact intelligence is recorded for recording when the execution circle of contactless smart card 9 deposits business with off-line consumption business
The remaining sum of 9 Current electronic wallets and electronic bankbook can be blocked, so as to judge whether contactless smart card 9 occurs consuming the abnormal conditions that total amount deposits total amount more than circle, or figured interest for there is the fund do not consumed on contactless smart card and to user's circle.
[0035] partial account number of bank account is recorded on contactless smart card, for the bank account required for being selected after the partial account number list of bank account by user directly to be read from contactless smart card by payment terminal, without being downloaded from third party's processor, transactions velocity is improved.
[0036]
Example IV：According to Fig. 1, contactless smart card 9 realizes online consumer sale, wherein, the partial account number of the bank account 4 of binding relationship is have recorded on contactless smart card 9, user's selection bank account 4 completes transaction.
[0037] 1, payment terminal 61 reads the card number information of contactless smart card 9；
Payment terminal 61 reads the list information of the bank account partial account number recorded on contactless smart card 9；
Payment terminal 61 shows the partial account number list information for all bank accounts bound with contactless smart card 9；The partial account number for the bank account 4 that the record user of payment terminal 61 selects from account list；
2nd, payment terminal 61 reads the password of the spending amount of card user's input and the binding bank account 4 of user's selection；Card number, the partial account number of bank account 4, the password of bank account 4, the online spending amount that contactless smart card 9 is included in online consumer requests, solicited message are sent to third party's processor 8；
3rd, third party's processor 8 receives the online consumer requests；The online consumer requests are sent to bank's processor 11;
4th, bank's processor 11 receives the online consumer requests；The card number of contactless smart card 9 in solicited message and the partial account number of bank account 4 find the complete account number of bank account 4 in binding relationship；Online consumer requests are sent to bank main 21；Complete account number, spending amount, the password of bank account 4 of bank account 4 are included in solicited message；
5th, bank main 21 is withholdd from bank account 4；By online consumption result response to bank's processor 11;
6th, bank's processor 11 receives banking on-line consumption result；By online consumption result response to third party's processor 8, online consumption implementing result, the card number of contactless smart card 9, the partial account number of bank account 4 are included in response message；
7th, third party's processor 8 receives the response message, completes follow-up business.
[0038]
Embodiment five：According to Fig. 1, contactless smart card 9 realizes that circle deposits transaction, wherein, the bank account account of binding relationship is not recorded on contactless smart card 9, user's selection bank account 4 completes transaction.
[0039] El, payment terminal 61 read the card number information of contactless smart card 9；
The binding relationship Check that payment terminal 61 sends the card number comprising contactless smart card 9 to third party's processor 8, which is ask, to be asked, and third party's processor 8 is by the list information response of the partial account number for all bank accounts bound with contactless smart card 9 to payment terminal 61;
Payment terminal 61 shows the partial account number list information for all bank accounts 4 bound with contactless smart card 9；The partial account number for the bank account 4 that the record user of payment terminal 61 selects from account list；
The circle that E2, payment terminal 61 read card user's input deposits the password that type, circle deposit the binding bank account 4 of the amount of money and user's selection；The card number comprising contactless smart card 9 in request, solicited message, the partial account number of bank account 4, circle, which are deposited, to the transmission circle of third party's processor 8 deposits the amount of money, the password of bank account 4；
E3, third party's processor 8 receive the circle and deposit request, and the circle is deposited into request is sent to bank's processor 11;
E4, bank's processor 11 receive the circle and deposit request；The card number of contactless smart card 9 in solicited message and the partial account number of bank account 4 find the complete account number of bank account 4 in binding relationship；Circle is sent to bank main 21 and deposits request, and circle deposits the card number comprising contactless smart card 9 in request, the complete account number of bank account 4, circle and deposits the amount of money, bank account 4
Password；
E5, bank main 21 are withholdd from bank account 4；
If establishing binding account on bank main 21, the electronic purse balance amount value or electronic bankbook remaining sum value that the corresponding binding account of the account of card number and bank account 4 of the contactless smart card 9 in request is deposited to circle are value added；
Bank main 21 will withhold object information response to bank's processor 11;
E6, bank's processor 11 receive the object information of withholing that the bank main 21 is sent；
If establishing binding account on bank's processor 11, the electronic purse balance amount value or electronic bankbook remaining sum value that the corresponding binding account of the account of card number and bank account 4 of the contactless smart card 9 in request is deposited to circle are value added；
Bank's processor 11 is withholdd object information to the response of third party's processor 8, and withhold implementing result, the card number of contactless smart card 9, the partial account number of bank account 4 are included in object information of withholing；
E7, third party's processor 8 receive the object information of withholing；
Circle is performed to contactless smart card 9 via payment terminal 61 and deposits operation；
The electronic purse balance amount value or electronic bankbook remaining sum value that the corresponding binding account of card number and the partial account number of bank account 4 of the contactless smart card 9 in request is deposited to circle are value added；Circle deposits business completion.
[0040]
Embodiment six：According to Fig. 1, contactless smart card 9 realizes that off-line consumption is merchandised, wherein, contactless smart card 9 establishes binding relationship with bank account 4.
[0041] F1, payment terminal 61 receive the completion off-line consumption business of contactless smart card 9；
Off-line consumption record is reported to third party's processor 8 by F2, payment terminal 61;
F3, third party's processor 8 verify the completeness and efficiency of off-line consumption record；
F4, third party's processor 8 read the card number of contactless smart card 9 in off-line consumption record；
The partial account number for the bank account 4 bound with contactless smart card 9, the electronic purse balance amount value or electronic bankbook remaining sum value depreciation of binding relationship corresponding with the partial account number of bank account 4 to contactless smart card 9 are found by the card number of contactless smart card 9；
Card number, the partial account number of bank account 4, the spending amount for including contactless smart card 9 in off-line consumption request, solicited message are sent to bank's processor 11；
F5, bank's processor 11 receive off-line consumption request, and the card number of the contactless smart card 9 in solicited message and the partial account number of bank account 4 find the complete account number of bank account 4；
If establishing binding account on bank's processor 11, the electronic purse balance amount value or electronic bankbook remaining sum value depreciation of the card number of the contactless smart card 9 in asking off-line consumption and the corresponding binding account of the account of bank account 4；
If F6, establishing binding account on bank main 21, bank's processor 11 sends off-line consumption to bank main 21 and asked, and card number, the complete account number of bank account 4, the spending amount of contactless smart card 9 are included in solicited message；Bank main 21 receives the off-line consumption request that bank's processor 11 is sent；The electronic purse balance amount value or electronic bankbook remaining sum value depreciation of the card number of contactless smart card 9 in asking off-line consumption and the corresponding binding account of the account of bank account 4；
By object information response to bank's processor 11;
F7, bank's processor 11 include result, the card number of contactless smart card 9, the partial account number of bank account 4, spending amount to the response off-line consumption result of third party's processor 8 in object information；
F8, third party's processor 8 receive the response message；Off-line consumption business is completed.
[0042】
As known by the technical knowledge, the present invention can be realized by the embodiment of other essence or essential feature without departing from its spirit.Therefore, embodiment disclosed above, for each side, is all merely illustrative, and is not only.It cannot be assumed that the specific implementation of the present invention, which is confined to these, implements use-case, all changes within the scope of the invention or within the scope equivalent to the present invention are included in the invention.
Claims (10)
- Claims1. a kind of contactless smart card and its method for supporting different bank payment services, it is characterised in that this method comprises the following steps：A, by binding terminal, bank main, bank's processor, third party's processor, payment terminal and communication network set up payment system；B, contactless smart card and the binding relationship of bank account are set up in above-mentioned payment system；C, by above-mentioned binding relationship, use the contactless smart card to realize the payment transaction for the bank account bound with the contactless smart card.2. a kind of method of the contactless smart card and its support different bank payment services according to claim 1, it is characterised in that above-mentioned steps B comprises the following steps：Bl, binding terminal read the account of bank account；B2, binding terminal read the card number of contactless smart card；The account of the card number comprising contactless smart card and bank account in bind request, solicited message is sent to bank's processor；B3, bank's processor receive the bind request；Record the binding relationship of the account of the card number of contactless smart card and bank account in the solicited message；The card number and the partial account number of bank account of the contactless smart card comprising the binding relationship in bind request, solicited message are sent to third party's processor；B4, third party's processor receive the bind request；Record the binding account of the card number of contactless smart card and the partial account number of bank account in solicited message, wherein, the content of the binding account includes the electronic bankbook remaining sum value of the electronic bankbook synchronization on card number, the partial account number of bank account, the electronic purse balance amount value synchronous with the stored value card on contactless smart card and the contactless smart card of contactless smart card.3. a kind of method of the contactless smart card and its support different bank payment services according to claim 1 and claim 2, it is characterised in that the binding relationship that bank's processor is recorded in above-mentioned steps B3：The binding relationship includes binding account, and the content of the binding account includes the card number of contactless smart card, the account of bank account, the electronic purse balance amount value synchronous with the stored value card on contactless smart card, the electronic bankbook remaining sum value with the electronic bankbook synchronization on contactless smart card.4. a kind of contactless smart card according to claim 1 and claim 2 and its method for supporting different bank payment services, it is characterised in that above-mentioned steps B further comprises the steps-B7, bank's processor send the card number and the account of bank account of the contactless smart card comprising the binding relationship in bind request, solicited message to bank main after bind request is received；B8, bank main receive the bind request；The card number of contactless smart card and the corresponding binding account of the account of bank account in solicited message are set up, the content of the binding account includes the card number of contactless smart card, the account of bank account, the electronic purse balance amount value synchronous with the stored value card on contactless smart card, the electronic bankbook remaining sum value with the electronic bankbook synchronization on contactless smart card.5. a kind of method of the contactless smart card and its support different bank payment services according to claim 1 and claim 2, it is characterised in that above-mentioned steps B further comprises the steps：B9, third party's processor record the partial account number for the bank account bound with the contactless smart card via bank's processor and binding terminal on contactless smart card；Or, bank's processor records the partial account number for the bank account bound with the contactless smart card via binding terminal on contactless smart card；Or, binding terminal records the part account for the bank account bound with the contactless smart card on contactless smart card Number.6. a kind of method of the contactless smart card and its support different bank payment services according to claim 1, it is characterised in that the payment transaction of bank account includes described in above-mentioned steps C：D, online consumption service；E, circle deposit business；F, off-line consumption business.7. a kind of method of the contactless smart card and its support different bank payment services according to claim 1 and claim 6, it is characterised in that above-mentioned online consumption service comprises the following steps：DK payment terminals read the card number information of contactless smart card；Payment terminal reads the list information of the bank account partial account number recorded on contactless smart card；Or, the binding relationship Check that payment terminal sends the card number comprising the contactless smart card to third party's processor, which is ask, to be asked, and third party's processor is by the list information response of the partial account number for all bank accounts bound with the contactless smart card to payment terminal；Payment terminal shows the partial account number list information for all bank accounts bound with the contactless smart card；The partial account number for the bank account that payment terminal record user selects from account list；D2, payment terminal read the password of the spending amount of card user's input and the binding bank account of user's selection；Card number, the partial account number of bank account, the password of the bank account, the online spending amount for including contactless smart card in online consumer requests, solicited message are sent to third party's processor；D3, third party's processor receive the online consumer requests；The online consumer requests are sent to bank's processor； D4, bank's processor receive the online consumer requests；The card number of contactless smart card in solicited message and the partial account number of bank account find the complete account number of the bank account in binding relationship；Online consumer requests are sent to bank main；Complete account number, spending amount, bank account password of bank account are included in solicited message；D5, bank main are withholdd from the bank account；Bank's processor is given by online consumption result response；D6, bank's processor receive banking on-line consumption result；Online consumption result response is given in third party's processor, response message to the partial account number for including online consumption implementing result, the card number of contactless smart card, bank account；D7, third party's processor receive the response message, complete follow-up business.8. a kind of method of the contactless smart card and its support different bank payment services according to claim 1 and claim 6, it is characterised in that the above-mentioned circle business of depositing comprises the following steps：El, payment terminal read the card number information of contactless smart card；Payment terminal reads the list information of the bank account partial account number recorded on contactless smart card；Or, the binding relationship Check that payment terminal sends the card number comprising the contactless smart card to third party's processor, which is ask, to be asked, and third party's processor is by the list information response of the partial account number for all bank accounts bound with the contactless smart card to payment terminal；Payment terminal shows the partial account number list information for all bank accounts bound with the contactless smart card；The partial account number for the bank account that payment terminal record user selects from account list；The circle that E2, payment terminal read card user's input deposits the password that type, circle deposit the binding bank account of the amount of money and user's selection；Circle is sent to third party's processor to deposit in request, solicited message comprising non-contact intelligent The card number of card, the partial account number of bank account, circle deposit the amount of money, the bank account password；E3, third party's processor receive the circle and deposit request, and the circle is deposited into request is sent to bank's processor；E4, bank's processor receive the circle and deposit request；The card number of contactless smart card in solicited message and the partial account number of bank account find the complete account number of the bank account in binding relationship；Circle is sent to bank main and deposits request, and circle deposits the card number comprising contactless smart card in request, the complete account number of bank account, circle and deposits the amount of money, the bank account password；E5, bank main are withholdd from the bank account；If establishing binding account on bank main, the electronic purse balance amount value or electronic bankbook remaining sum value that the corresponding binding account of the account of card number and bank account of the contactless smart card in request is deposited to circle are value added；Bank's processor is given in the bank main object information response that will withhold；E6, bank's processor receive the object information of withholing of bank main transmission；If establishing binding account on bank's processor, the electronic purse balance amount value or electronic bankbook remaining sum value that the corresponding binding account of the account of card number and bank account of the contactless smart card in request is deposited to circle are value added；Bank's processor is withholdd object information to third party's processor response, and withhold implementing result, the card number of contactless smart card, the partial account number of bank account are included in object information of withholing；E7, third party's processor receive the object information of withholing；Circle is performed to contactless smart card via payment terminal and deposits operation；The corresponding binding account of card number and bank account partial account number of the contactless smart card in request is deposited to circle Electronic purse balance amount value or electronic bankbook remaining sum value are value added；Circle deposits business completion.9. a kind of method of the contactless smart card and its support different bank payment services according to claim 1 and claim 6, it is characterised in that above-mentioned off-line consumption business comprises the following steps：Fl, payment terminal receive contactless smart card and complete off-line consumption business；Off-line consumption record is reported to third party's processor by F2, payment terminal；F3, the third party's processor verification off-line consumption record completeness and efficiency；F4, third party's processor read the card number of contactless smart card in off-line consumption record；The partial account number for the bank account bound with the contactless smart card, the electronic purse balance amount value or electronic bankbook remaining sum value depreciation of binding relationship corresponding with the partial account number of bank account to the contactless smart card are found by the card number of the contactless smart card；Card number, the partial account number of bank account, the spending amount for including contactless smart card in off-line consumption request, solicited message are sent to bank's processor；F5, bank's processor receive off-line consumption request, and the card number of the contactless smart card in solicited message and the partial account number of bank account find the complete account number of the bank account；If establishing binding account on bank's processor, the electronic purse balance amount value or electronic bankbook remaining sum value depreciation of the card number of the contactless smart card in asking off-line consumption and the corresponding binding account of the account of bank account；If F6, establishing binding account on bank main, bank's processor sends off-line consumption to bank main and asked, and card number, the complete account number of bank account, the spending amount of contactless smart card are included in solicited message； Bank main receives the off-line consumption request that bank's processor is sent；The electronic purse balance amount value or electronic bankbook remaining sum value depreciation of the card number of contactless smart card in asking off-line consumption and the corresponding binding account of the account of bank account；Bank's processor is given by object information response；F7, bank's processor include result, the card number of contactless smart card, the partial account number of bank account, spending amount to third party's processor response off-line consumption result in object information；F8, third party's processor receive the response message；Off-line consumption business is completed.10. a kind of method of the contactless smart card and its support different bank payment services according to claim 1, it is characterised in that：The bank account includes bank corresponding with bank book main account, bank's main account corresponding with bank magnetic stripe card, bank's main account corresponding with bank intellective IC card.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011800041576A CN102667838A (en) | 2010-08-24 | 2011-08-23 | Non-contact smart payment card and method thereof for supporting different bank payment services |
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| CN201010265947.7 | 2010-08-24 | ||
| CN 201010265947 CN101930572A (en) | 2010-08-24 | 2010-08-24 | Non-contact smart payment card and method thereof for supporting different bank payment services |
| CN2011800041576A CN102667838A (en) | 2010-08-24 | 2011-08-23 | Non-contact smart payment card and method thereof for supporting different bank payment services |
| PCT/CN2011/001402 WO2012024894A1 (en) | 2010-08-24 | 2011-08-23 | Contactless smart card and method for same to support payment services of different banks |
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| CN102667838A true CN102667838A (en) | 2012-09-12 |
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| CN2011800041576A Pending CN102667838A (en) | 2010-08-24 | 2011-08-23 | Non-contact smart payment card and method thereof for supporting different bank payment services |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101930572A (en) * | 2010-08-24 | 2010-12-29 | 张龙其 | Non-contact smart payment card and method thereof for supporting different bank payment services |
| CN102324051A (en) * | 2011-05-04 | 2012-01-18 | 候万春 | Electronic bank card capable of bearing magnetic-stripe card |
| CN102521747A (en) * | 2011-12-05 | 2012-06-27 | 中国联合网络通信集团有限公司 | Method for binding electronic wallet account, method, device and system for processing service of electronic wallet |
| CN102592220A (en) * | 2012-02-14 | 2012-07-18 | 张龙其 | Method for supporting multi-bank smart card off-line trade |
| CN103003831B (en) * | 2012-02-14 | 2015-07-08 | 张龙其 | Smart card payment system |
| CN103258387B (en) * | 2012-02-15 | 2015-07-15 | 中国银联股份有限公司 | Method and system for swiping and loading card by bank card |
| CN103295344A (en) * | 2012-02-22 | 2013-09-11 | 普天信息技术研究院有限公司 | Memory card, terminal and transaction system |
| CN102867377B (en) * | 2012-09-20 | 2015-01-28 | 中国农业银行股份有限公司 | Method and system for realizing services on point-of-sale (POS) terminal machine and POS terminal machine |
| CN105095942A (en) * | 2014-05-22 | 2015-11-25 | 中兴通讯股份有限公司 | Intelligent card management method and system |
| CN105160776B (en) * | 2015-09-09 | 2017-07-21 | 建亿通（北京）数据处理信息有限公司 | City one-card card, business platform, card operation system and implementation method |
| CN106557973B (en) * | 2015-09-30 | 2020-06-05 | 美的集团股份有限公司 | Management method, device, mobile terminal and system for bank card |
| CN109842605B (en) * | 2017-11-29 | 2020-07-07 | 华为技术有限公司 | Card binding method and terminal |
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| CN101710408A (en) * | 2009-11-05 | 2010-05-19 | 张龙其 | Method for realizing transactions on terminal equipment by binding common card with bank card |
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| CN101222246A (en) * | 2008-01-29 | 2008-07-16 | 中兴通讯股份有限公司 | Method and device for implementing automatic charging by near-field communication terminal, and mobile communication terminal |
| CN101615274A (en) * | 2008-06-25 | 2009-12-30 | 阿里巴巴集团控股有限公司 | Utilize the method and system of communication terminal to pay |
| CN101930572A (en) * | 2010-08-24 | 2010-12-29 | 张龙其 | Non-contact smart payment card and method thereof for supporting different bank payment services |
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| CN101710408A (en) * | 2009-11-05 | 2010-05-19 | 张龙其 | Method for realizing transactions on terminal equipment by binding common card with bank card |
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| CN101930572A (en) | 2010-12-29 |
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